Home › Buy now, pay later › Klarna
On the basic metrics alone, the score was 54.8 and the rank 6. The score is now 57.9 and rank 2 (▲ 4 places). The difference comes from buying motives: they measure what the buyer asks before deciding.
Klarnan suomenkielinen sivusto on sovellus- ja markkinointipainotteinen: maksuvaihtoehdot ja suomenkielinen tuki esitellään selkeästi, mutta euromääräiset kulut, korottoman maksuajan päivät ja erämaksun korko eivät näy julkisesti vaan vasta kaupan kassalla ostokohtaisissa luottotiedoissa. Luotonantajaksi vahvistuu ruotsalainen Klarna Bank AB talletussuojamerkinnän kautta.
Buying motives were checked on 12.10.2026 and basic metrics measured on 9.8.2026 from public sources. The same formula for everyone, read the full methodology.
| Actual annual interest rate of the instalment payment | 22 p × 83.3 % | 18.3 |
| Interest-free payment period | 12 p × 51,6 % | 6.2 |
| Monthly cost | 10 p × 0.0 % | 0.0 |
| Due date postponement | 6 p × 100.0 % | 6.0 |
| Basic metrics | 50 % × 54,8 | 27.4 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Actual annual interest rate of the instalment payment NOTEKlarna states the same effective annual interest rate for all financing options of 3–36 months. | 17.50% (financing 3–36 months) | klarna.com checked 12.10.2026 | 18.3 / 22 |
| Interest-free payment period | 30 days from delivery of the order | klarna.com checked 12.10.2026 | 6.2 / 12 |
| Monthly cost | The monthly cost is not mentioned on the financing, 30-day or 3-instalment page. | klarna.com, financing · klarna.com, pay within 30 days checked 12.10.2026 | 0.0 / 10 |
| Due date postponement | The due date can be postponed in the Klarna app | klarna.com checked 12.10.2026 | 6.0 / 6 |
If information is missing, the row gets 0 points and the reason is shown. Points rise when the company publishes the information.
| Digital quality | 30 % × 61,1 | 18.3 |
| Transparency | 30 % × 30,0 | 9.0 |
| Reachability | 20 % × 85,0 | 17.0 |
| AI quality score | 20 % × 52,1 | 10.4 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 14/100 | Technical measurement | 5.6 / 40 |
| Accessibility | 85/100 | Technical measurement | 25.5 / 30 |
| Findability (SEO) | 100/100 | Technical measurement | 15.0 / 15 |
| Technical practices | 100/100 | Technical measurement | 15.0 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Invoicing or payment method surcharge displayed in euros OBSERVATIONklarna.com/fi ja ohjekeskus eivät näytä euromääräistä laskutus- tai maksutapalisää; kulut ohjataan kaupan kassalle ja sovellukseen. | No | Website + AI extraction | 0.0 / 25 |
| Interest-free payment period (in days) stated OBSERVATIONEtusivu: 'Valitse maksutapasi. Maksa heti, myöhemmin tai osissa.', myöhemmin-maksu mainitaan, mutta korottoman maksuajan pituutta päivinä ei ilmoiteta julkisilla sivuilla. | Partly | Website + AI extraction | 10.0 / 20 |
| Effective annual interest rate or credit interest of instalments displayed OBSERVATIONerämaksun luottokorkoa tai todellista vuosikorkoa ei esitetä ladatuilla julkisilla sivuilla. | No | Website + AI extraction | 0.0 / 20 |
| Payment reminder and debt collection fees stated OBSERVATIONmaksumuistutus- tai perintäkuluja ei mainita etusivulla eikä ohjekeskuksen etusivulla. | No | Website + AI extraction | 0.0 / 15 |
| Lender or Business ID shown OBSERVATIONEtusivun alatunniste: 'Tili on Ruotsin talletussuojajärjestelmän piirissä Ruotsin valtionvelkatoimiston päätöksen mukaisesti', vahvistaa ruotsalaisen Klarna Bank AB -pankin. | Yes | Website + AI extraction | 10.0 / 10 |
| Finnish-language contract terms and support OBSERVATIONKoko sivusto ja ohjekeskus ovat suomeksi; asiakaspalvelu suomeksi puhelimitse 09 4245 0031 ma-pe 9-18 ja 24/7-chat sovelluksessa. | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown | Yes | Website + AI extraction | 30.0 / 30 |
| Email shown | No | Website + AI extraction | 0.0 / 15 |
| Chat support | Yes | Website + AI extraction | 15.0 / 15 |
| Opening hours shown | Yes | Website + AI extraction | 15.0 / 15 |
| FAQ section | Yes | Website + AI extraction | 15.0 / 15 |
| Mobile app | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 62/100 | AI analysis | 21.1 / 34 |
| Findability of pricing | 24/100 | AI analysis | 7.9 / 33 |
| Content coverage | 70/100 | AI analysis | 23.1 / 33 |
Are you a customer of the Klarna service? Share your experience. Does not affect the Suomen Paras Score, the score is based on measurable data only.
The free pre-analysis shows every item where points are lost and how much fixing it raises the score and rank. The paid analysis shows what the items are and how to fix them.
With website and information fixes you gain at most +32.6 points: 57.9 → 90.5, rank 2 → 1.
See the free pre-analysis The analysis does not change the score. Only improving the metrics does.The partner badge is a free mark of cooperation with the Suomen Paras comparison. It does not claim a ranking; any partner of ours can add it: companies included in the comparison, our customers and our cooperation partners, and it works as a link to this public profile.
